Just got billed and then followed by a laugh-out-loud ?

ya i just got the bill too.. 2 months accumulated is still $$$...

i think i will sell all my bond in FSM and buy from eunittrust
I did not bother even to check FSM email to me.. till Ramjade
pointed out the platform fee.


its still a Dollar save = a Dollar earn right?

anyone knows when will be the next FSM promotion?

try post 9414?

Just got charged platform fee too which occur during my switching, although not much but this got me into thinking that investing bond in eunittrust or even EPF/ASNB fixed price funds is a lot better than buying bonds in FSM.

Hey guys I just bought CMF from FSM for the first time just now. Do you think they can process it by tomorrow ?

Is there a reason you want to know? CMF is 0% sales charge and historical pricing...all you need to know has already presented themselves to you.
They will 'begin' processing and it will be likely to appear on your account by next Tuesday.

CMF transaction should be fast. As said, it is based on historical pricing so it doesn't need to wait for the next day's closing NAV before starting to process/calculate the number of units you would gain. I don't remember how soon exactly but fastest experience should be processed the next day, and units appear in account the day after.

Good that you have taken the first step to fund investing. Ask any questions if you have; happy investing.

Assume you are buying Affin Hwang Select Bond fund and its annualised return at 6.5% nominal, and you never adjust the size of your portfolio for 1 year. Having the total platform fees of 0.05% x 4 = 0.2% only lower your return to 6.3%. Inflation rate should be 4.042% (based on our 4 year MGS yield). So you are still beating the inflation well.

I would think the platform fees as insignificant.

:: Happy investing ::

I too would think of it as insignificant....but "WE" have to be cautious of what we said for later "WE" could kena tembak
for some would said, "why pay for this insignificants when other platform are charging none, for every RM 10 000, FSM charged RM 5 per quarter = RM 20 pa.; a dollar saved is a dollar saved"

but I guess, that separate "US" from "THEM"
we are we, they are they....

after having reviewed my historical UT investing methods and habits,......I would really have "saved" a lot more if those funds that I had transacted thru out all the years had platform fees rather than initial sales charges.
after having recalled back my historical portfolio paper losses during the prolonged BAD months, and at times the habits/actions resulted from those prolong bad periods,...,......I had grown immune to insignificants expenses

My bond allocation is rather small and insignificant. Maybe I will strategize it again when it gets to a few hundred K ....

Everyday I am more concerned about my port is not well diversified ( too heavy in China/North Asia ). The US seems to rebound. Perhaps need to increase the US now ?

This post has been edited by puchongite: Oct 31 2017, 10:04 AM

Good ones, thanks! Yes I will use this text "(we)" to differentiate we from they in future.

i thought US had rebounded since 7 years ago?
many articles are saying US is now on high side of the valuation index.
FSM My is suggesting underweight, but is still having abt 17% in the Managed portfolio lineup....
thru CIMB GTF......(then abt 6% in US)


This post has been edited by T231H: Oct 31 2017, 10:19 AM

You can "buy everywhere" and re-balance from time to time (may be quarterly) and do that with long stamina (more than 5 years perhaps). As long as those funds picked are of good quality and most has recorded annualized return of say > 10%, the return would be good.

May be is time to add in new candidates of probably US to your present portfolio

:: Happy investing ::

Warren Buffett is not worried about the US market. I think it is likely US market would go higher up in the long run (like 20 years or so) rather than flat or in a consolidating mode. Market fundamental may change (tax reform, etc) and the current stated expensive valuation is based on the current state; we never know if the next market fundamental change would contribute to the move positive or negatively. Anyhow, US market is definitely a good place to park some money in our portfolio.

:: Happy investing ::

yes,...i would also advocates "Some" money......

"value investing in unit trust investment involves buying a unit trust that invests in undervalued equity markets (estimated forward PE is lower than its fair PE) and selling a unit trust that invests in overvalued equity market (estimated forward PE is higher than its fair PE)........which also means that the equity market has higher margin of safety/estimated upside potential "

https://www.fundsupermart.com.my/main/resea...it-Trusts--1592

Can you share the country/region allocation of FSM managed port ( the most aggressive one ) in % ?

after this 3 steps....
in another displayed page...select the portfolio type


Attached thumbnail(s)

Thanks for sharing the link.

Esther quite shaky lately....